Summary
SEGEST is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €90,139 and a net result of €31,215. Equity remains stable across the filed fiscal years (±1.6% per year). Its solvency ranks better than 73% of 2463 sector peers (fiscal year 2025). The company has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 16-05-2026, 76 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
76 d early
2024
69 d early
2023
64 d early
2022
59 d early
2021
63 d early
2020
67 d early
2019
71 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 67 days before the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
In the rankings
#2 oldest company in Evere, Finance and insurance sector
Equity
€90,139▲ 0.2%
2024 · €89,924
Net result
€31,215▼ 20.6%
2024 · €39,328
Total assets
€121,637▼ 6.4%
2024 · €129,924
Solvency
74.1%▲ 4.9pp
2024 · 69.2%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€56,111▼ 10.9%€58,496▲ 4.2%€41,714▼ 28.7%€50,142▲ 20.2%€39,955▼ 20.3%
Net result€42,977within the sector's middle half▼ 17.3%€48,482within the sector's middle half▲ 12.8%€33,209within the sector's middle half▼ 31.5%€39,328within the sector's middle half▲ 18.4%€31,215within the sector's middle half▼ 20.6%
Equity€96,906within the sector's middle half▲ 3.2%€97,387within the sector's middle half▲ 0.5%€90,596within the sector's middle half▼ 7.0%€89,924within the sector's middle half▼ 0.7%€90,139within the sector's middle half▲ 0.2%
Total assets€142,074within the sector's middle half▲ 5.4%€147,002within the sector's middle half▲ 3.5%€131,481below the sector's middle half▼ 10.6%€129,924below the sector's middle half▼ 1.2%€121,637below the sector's middle half▼ 6.4%
Debt€45,169▲ 10.4%€49,615▲ 9.8%€40,885▼ 17.6%€40,000▼ 2.2%€31,498▼ 21.3%
Working capital€43,648within the sector's middle half▲ 24.4%€49,716within the sector's middle half▲ 13.9%€26,473within the sector's middle half▼ 46.8%€31,230within the sector's middle half▲ 18.0%€37,260within the sector's middle half▲ 19.3%
Solvency68.2%within the sector's middle half▼ 1.5pp66.2%within the sector's middle half▼ 2.0pp68.9%within the sector's middle half▲ 2.7pp69.2%within the sector's middle half▲ 0.3pp74.1%within the sector's middle half▲ 4.9pp
Current ratio1.97within the sector's middle half▲ 0.112.00within the sector's middle half▲ 0.041.65within the sector's middle half▼ 0.351.78within the sector's middle half▲ 0.132.18within the sector's middle half▲ 0.40
Return on assets (ROA)30.2%above the sector's middle half▼ 8.3pp33.0%above the sector's middle half▲ 2.7pp25.3%above the sector's middle half▼ 7.7pp30.3%above the sector's middle half▲ 5.0pp25.7%above the sector's middle half▼ 4.6pp
Staff (FTE)
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 20% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €121,637
Fixed assets
€52,879 ▼ 9.9%
Current assets
€68,758 ▼ 3.5%
Equity and liabilities €121,637
Equity
€90,139 ▲ 0.2%
Debt
€31,498 ▼ 21.3%
Debt's share of the balance-sheet total falls from 30.8% to 25.9%. Equity is higher and debt is lower.
Key figures and ratios
ROE
34.6%▼
2024 · 43.7%
Debt ≤ 1 year
€31,498▼
2024 · €40,000
Income taxes
€8,395▼
2024 · €10,769
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €0 | - | - | - | - | - |
| Remuneration, social security and pensions62 | €0 | - | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €5,587 | €5,587 | €6,640 | €5,430 | €5,815 | ▲ 7.1% |
| Other operating charges640/8 | €2,822 | €3,015 | €3,968 | €6,480 | €3,045 | ▼ 53.0% |
| Gross operating margin9900 | €64,520 | €67,097 | €52,322 | €62,051 | €48,814 | ▼ 21.3% |
| Operating profit (loss)9901 | €56,111 | €58,496 | €41,714 | €50,142 | €39,955 | ▼ 20.3% |
| Financial income75/76B | €0 | €2,954 | €628 | - | - | - |
| Recurring financial income75 | €0 | €2,954 | €628 | - | - | - |
| Financial charges65/66B | €572 | €19 | €8 | €45 | €345 | ▲ 666% |
| Recurring financial charges65 | €572 | €19 | €8 | €45 | €345 | ▲ 666% |
| Profit (loss) for the period before taxes9903 | €55,539 | €61,431 | €42,334 | €50,097 | €39,610 | ▼ 20.9% |
| Income taxes67/77 | €12,562 | €12,949 | €9,125 | €10,769 | €8,395 | ▼ 22.0% |
| Profit (loss) for the period9904 | €42,977 | €48,482 | €33,209 | €39,328 | €31,215 | ▼ 20.6% |
| Profit (loss) for the period to be appropriated9905 | €42,977 | €48,482 | €33,209 | €39,328 | €31,215 | ▼ 20.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €142,074 | €147,002 | €131,481 | €129,924 | €121,637 | ▼ 6.4% |
| Fixed assets21/28 | €53,258 | €47,671 | €64,123 | €58,693 | €52,879 | ▼ 9.9% |
| Tangible fixed assets22/27 | €53,258 | €47,671 | €64,123 | €58,693 | €52,879 | ▼ 9.9% |
| Land and buildings22 | €49,967 | €46,461 | €42,956 | €39,450 | €35,945 | ▼ 8.9% |
| Furniture and vehicles24 | €3,291 | €1,210 | - | - | - | - |
| Other tangible fixed assets26 | - | - | €21,167 | €19,243 | €16,934 | ▼ 12.0% |
| Current assets29/58 | €88,817 | €99,331 | €67,358 | €71,230 | €68,758 | ▼ 3.5% |
| Amounts receivable after more than one year29 | - | - | €0 | - | - | - |
| Amounts receivable within one year40/41 | €14,308 | €11,721 | €31,665 | €36,915 | €40,130 | ▲ 8.7% |
| Trade receivables40 | €13,808 | €11,721 | €29,865 | €33,915 | €35,730 | ▲ 5.4% |
| Other amounts receivable41 | €500 | - | €1,800 | €3,000 | €4,400 | ▲ 46.7% |
| Cash at bank and in hand54/58 | €74,509 | €87,610 | €35,692 | €34,316 | €28,627 | ▼ 16.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €142,074 | €147,002 | €131,481 | €129,924 | €121,637 | ▼ 6.4% |
| Equity10/15 | €96,906 | €97,387 | €90,596 | €89,924 | €90,139 | ▲ 0.2% |
| Contributions10/11 | €30,987 | €30,987 | €30,987 | €30,987 | €30,987 | = |
| Reserves13 | €3,100 | €3,100 | €3,100 | €3,100 | €3,100 | = |
| Non-distributable reserves130/1 | €3,100 | €3,100 | €3,100 | €3,100 | €3,100 | = |
| Reserves not available under the articles1311 | €3,100 | €3,100 | €3,100 | €3,100 | €3,100 | = |
| Profit (loss) carried forward14 | €62,819 | €63,300 | €56,509 | €55,837 | €56,052 | ▲ 0.4% |
| Amounts payable17/49 | €45,169 | €49,615 | €40,885 | €40,000 | €31,498 | ▼ 21.3% |
| Amounts payable within one year42/48 | €45,169 | €49,615 | €40,885 | €40,000 | €31,498 | ▼ 21.3% |
| Trade debts44 | €4,406 | €680 | €885 | - | €498 | - |
| Suppliers440/4 | €4,406 | €680 | €885 | - | €498 | - |
| Taxes, remuneration and social security45 | €762 | €935 | €0 | - | - | - |
| Taxes450/3 | €762 | €935 | - | - | - | - |
| Other amounts payable47/48 | €40,000 | €48,000 | €40,000 | €40,000 | €31,000 | ▼ 22.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €42,977 | €48,482 | €33,209 | €39,328 | €31,215 | ▼ 20.6% |
| + Depreciation and write-downs630 | €5,587 | €5,587 | €6,640 | €5,430 | €5,815 | ▲ 7.1% |
| Operating cash flow (approximation) | €48,564 | €54,068 | €39,849 | €44,758 | €37,029 | ▼ 17.3% |
| Investment in fixed assets (approximation) | - | €0 | -€23,092 | €0 | €0 | - |
| Change in cash | - | €13,101 | -€51,917 | -€1,377 | -€5,688 | ▼ 313% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
16-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
23-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
02-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
25-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €51,990 ▲59.3%
Operating result €62,993, net result €51,990, both a record.
21-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
20-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
22-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
22-05
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Evere · 1 establishment unit since 1991
Ground area
1.2 ha
Building footprint
1,202 m²
Volume, LiDAR
52,149 m³
2 parcels, Brussels · tallest building 51.1 m, ±16 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
SEGEST
since 19912.054.052.105
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21372D0122/00L000 | Brussels | 1.1 ha | 1 · 999 m² | 51.1 m · 16 fl. |
| 21372C0021/00A002 | Brussels | 437 m² | 1 · 202 m² | 25.0 m · 7 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
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BE 0473.892.312
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L&C Insurance
BE 1004.544.074
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Of 4,673 companies in sector 66220 we hold annual accounts for 3,222. 2,649 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded20-11-1990
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
Contact
E-mail
segest@portima.be
E-mail
info@bureaumiller.beEvere
E-invoicing
Not found in the Peppol register
No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.
What can you do?
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Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.